insurance riders for your valuables

INSURANCE

Car insurance is a necessity that many people do not think of until they are in an accident and need good insurance. Unfortunately, many people try to get the cheapest insurance that they possibly can just to save a little bit of money each month. However, if a person has cheap insurance and they are in an accident, they may end up paying for most of the damage themselves. So, the goal for everyone should be to get the very best insurance possible at an affordable rate.…

Finding out you’re paying more for auto insurance this year than last can be a bit of a shock, especially if you’re not sure why they increased in the first place. Fortunately, the following offers an in-depth explanation of what could have given your annual premiums an unwelcome bump in cost.
You Recently Got a Traffic Citation
Getting nabbed by Johnny Law for going 45 in a 35 mph zone could leave you out of more than just a few bucks.…

When it is believed that you were responsible for a car accident, this can lead to your car insurance claim being denied. Another risk of being accused of causing a car accident is that you may be forced to pay out a settlement or even go to court. This can be frustrating if you believe that you were not at fault for the accident.
Found At Fault Because Of An Insured Motorist Driving Your Car…

When people think of using home insurance, it is to cover some of the most common incidents such as a fire or theft. There are actually many details in your policy’s declaration page that list what you are covered for. Here are 3 unexpected times you could use home insurance.
Natural Disasters
If you live in an area that is known for having earthquakes, you most likely need addition coverage for protection against earthquakes.…

If your small business is starting to grow and you would like to reward your employees by offering health insurance to them, you will need to choose a group insurance plan. There are many different group insurance plans to choose from and trying to decide which plan to purchase can be tricky. Here are three things you may want to look into with group insurance plans so that you can find the right one for your needs.…

As a business owner, you may be required by state law to have workers compensation insurance in place to protect your employees. Even though you might understand the importance of this type of coverage, and even though you may want to do everything that you can to both protect your employees and protect your business, you might be concerned about the cost of this coverage. Luckily, there are a few ways that you can save money on workers compensation insurance while still ensuring that you have ample coverage.…

Whether you are purchasing a new home or considering adding a fun new feature to your current home, it is important to consider how various extra features affect your home insurance policy. Many features will increase the rate of your insurance or prevent you from getting insurance from certain providers altogether. Here are the five main features to look out for.
Water Features
You may be well aware that installing a pool in your home may come with extra insurance responsibilities, such as requiring a gate around the pool in order to maintain your liability insurance, but what you might not know is that other water features can come with similar requirements.…

Homeowners are often surprised that their insurance company wants to run a credit check before providing a homeowners insurance quote, but this is a common practice among insurers. Bankrate reports that 85 to 90 percent of insurers use an insurance score when determining premiums, and insurance scores are largely based on credit scores – and insurance scores can be improved by improving credit scores. If you have credit cards, here’s how paying them bimonthly could improve your credit score and help you qualify for lower homeowners insurance quotes.…

Even though the economy is by and large stabilizing, people throughout the world are trying to discover ways that will save money on a month-to-month basis. Believe it or not, one of the best ways that you can save money is to save money on your insurance, and one of the easiest forms of insurance that you can save money on is homeowner’s insurance. How do you go about achieving that goal, however?…

Now that you have completed your education and have the credentials to practice dentistry, there is the question of what to do next. You could associate yourself with an established practice in a larger city, but the idea of living in a small town holds the most appeal. In fact, you’ve found a small town that currently has no dentist in residence. If you are serious about carving out a niche in that small community, there are some points about establishing your own practice that you need to know.…

About Me

Are your valuables covered under your homeowners insurance policy? Do you have a firearm collection, expensive jewelry, card collection or maybe a coin collection? All of these valuables are only covered to a set limit if you have not taken out an insurance rider to increase the coverage. This blog is all about insurance riders for valuables. You will learn what the average limits are on basic policies and what you need to do to ensure that the valuables that you own are covered enough to pay for the replacement or loss of each and every item that you have in your home.